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Young Star Insurance Policy
VS
Niva Bupa Senior First Plan
NA
Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with two variants i.e. Young Star silver plan and Young Star gold plan. Young Star Insurance policy covers medical expenses, Road Traffic Accidents (RTA), etc., and offers several benefits like incentive-oriented wellness programs, annual health checkups, daily hospital allowance, renewal discounts, and much more.
Star Health Insurance Young Star plan offers wide coverage with affordable premiums. Along with this, one can easily renew their policy as the company offers the guaranteed lifelong renewal feature. The policyholder can choose between a gold plan and a silver plan depending on their needs. With Young Star Insurance Policy, one also has the flexibility of paying the premium monthly, quarterly, half-yearly, annually, biennially (once every two years), or triennially (once every three years)
| PLAN DETAILS |
Young Star Insurance Policy |
Niva Bupa Senior First Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Senior Citizen Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 18 Years to 40 Years | Min- 61 years, Max- 75 years |
| Plan Premium Entry Age and S/A | 6463 | 16,986 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | upto 3 years | 1/2/3 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 98 |
| Solvency Ratio | 2.21 | 3.03 |
|
Star Health Insurance Plan Detailed Review Niva Bupa Health Insurance Plan Detailed Review |
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